HealthyDirect · GrowthFit for a long SIP
ITI Pharma and Healthcare Fund
ITI Mutual FundEquity Scheme - Sectoral/ Thematic5 years
The scheme seeks to generate long term capital appreciation through investing in equity and equity related securities of companies engaged in Pharma and Healthcare.
- NAV
- 19.4636
- 30 Oct 2026
- 1Y
- +8.3%
- Trailing CAGR
- AUM
- ₹266.05 Cr
- 30 Sept 2026
- Volatility
- Medium
- 13.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
5.0 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.89% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -17.7%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Animesh Singh · 0.5 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 57.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 18%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+8.3%
- 3Y+20.0%
- 5Yn/a
- 10Yn/a
- SI+14.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+15.5%
- 3Y+11.3%
- 5Yn/a
- 10Yn/a
- Since inception
- +14.1%
- Calendar-day CAGR
- Excess 1Y
- +10.8%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 88
- Vs comparable share classes
- SIP 3Y XIRR
- +11.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +17.3%
- 486 daily-ending windows
- Median rolling 3Y
- +21.4%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -17.7%
- Worst peak-to-trough
- Current
- -5.1%
- Below last peak
- Current spell
- 36 days
- Days below latest peak
- Time below peak
- +88%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 20 days
- 53 recovered episodes
- Longest recovery
- 478 days
- Trough to prior peak
13 Jan 2022 – 16 Jun 2023
Trough 17 Jun 2022 · recovered in 364 days
-17.7%
2 Jan 2025 – 24 Jun 2026
Trough 3 Mar 2025 · recovered in 478 days
-17.1%
23 Sept 2026 – open
Trough 23 Oct 2026 · not recovered
-9.9%
23 Feb 2024 – 8 Apr 2024
Trough 19 Mar 2024 · recovered in 20 days
-6.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
88
Vs category
100
Consistency
81
Risk-adjusted
56
Drawdown
56
Mean
76
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 38 holdings · top 10 are 57.0%.
- Top 5
- 36.5%
- Top 10
- 57.0%
- Largest holding
- 12.0%
- Effective holdings
- 21.0
Sun Pharmaceutical Industries Ltd
Healthcare
12.0%
Divi's Laboratories Ltd
Healthcare
9.5%
Apollo Hospitals Enterprise Ltd
Healthcare
5.5%
Dr. Reddy's Laboratories Ltd
Healthcare
4.8%
Torrent Pharmaceuticals Ltd
Healthcare
4.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Motilal Oswal Active Momentum Fund
Motilal Oswal Mutual Fund
- 1Y
- +14.4%
- 3Y
- n/a
- Vol
- 17.3%
- Max DD
- -16.6%
- Sharpe
- 0.93
- 3Y win
- n/a
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
ICICI PRUDENTIAL HOUSING OPPORTUNITIES FUND
ICICI Prudential Mutual Fund
- 1Y
- -9.5%
- 3Y
- +10.3%
- Vol
- 12.6%
- Max DD
- -16.7%
- Sharpe
- 0.54
- 3Y win
- +66%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Sundaram Multi-Factor Fund
Sundaram Mutual Fund
- 1Y
- -9.3%
- 3Y
- n/a
- Vol
- 13.6%
- Max DD
- -14.9%
- Sharpe
- -0.74
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
Kotak Business Cycle Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.1%
- 3Y
- +15.8%
- Vol
- 12.7%
- Max DD
- -18.4%
- Sharpe
- 0.70
- 3Y win
- +98%
- Lower volatility
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Nippon India Innovation Fund
Nippon India Mutual Fund
- 1Y
- -5.1%
- 3Y
- +12.8%
- Vol
- 14.3%
- Max DD
- -21.5%
- Sharpe
- 0.46
- 3Y win
- +100%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns